In my previous life, I didn't make any money playing games or writing novels, and I made all of them by investing online.

The game level is too vegetable, you can't be a streamer, pass!

I wrote two novels and hit the streets, and I was complained by the reader, and I pulled out and whipped the corpse! Come on, the master won't serve anymore! I won't write in this life!

Then continue to invest online, the last life to contact the Internet online financial management in the second semester of the freshman year, that is, at the beginning of 2014, not too early, not too late, but the opportunity to seize did not seize.

In 2013, Little Ant launched Yu'e Bao, leading the trend of online financial management on the Internet, which can be called the first year of Internet finance.

Subsequently, all kinds of baby financial management sprung up, and there were as many as five or six thousand online financial management platforms.

Unlike the O2O group purchase "Hundred Group War" and the online live broadcast of the "Thousand Broadcast War", the winner takes the vast majority of the share, and there are not too many entrepreneurs in one track.

Internet + finance, this track is wide enough and wide enough, a trillion-level market. I remember that in 2019, before the rebirth, there were one or twenty mutual fund listed companies on the NASDAQ, NYSE, and Hong Kong Stock Exchange, most of which were unicorn-level, that is, with a market value of more than $1 billion.

There are good opportunities in Internet banking, Internet brokerage, Internet insurance, Internet wealth management, Internet loans and other industries.

Among them, the most profitable is definitely online loans, what is the slogan of contemporary young people?

"Everything can be staged"

"Driving School Training Phases"

"Ticket Installment"

"Travel Installment"

"Cosmetic Surgery Staging"

"Car Insurance Installment"

"3C Digital Installment"

......

After thinking about it, Zhang Yida found that 2013 can be said to be full of opportunities, and any mutual fund segment can be listed separately.

In his previous life, in 2019, he was often annoyed that he had missed too many opportunities. Being complacent after making a little money is a joke in front of some mutual money bosses.

When I graduated in 2017, the Internet finance field was stuck by regulators. Basically, the domestic stock market is shrinking and transforming.

Therefore, he had no choice but to give up this business as a new graduate. In addition, there was something wrong with the feed mill at home, so after graduation, he was in charge of the feed mill at home until 2019.

However, news about the field of mutual finance has also been watched. For example, a certain company was listed on the NASDAQ to raise hundreds of millions of dollars, a certain company invested in a licensed consumer finance company, a private bank, and went to Southeast Asia, Africa, and Latin America, and quickly developed into the largest market share in the local market.

These news all attracted Zhang Yida and made him eager to move in the field of mutual finance. However, due to the fact that the feed mill business at home is facing a critical period of transformation, there is also a time window for mutual finance entrepreneurship has been missed.

The final result was this, Zhang Yida said goodbye to the mutual finance industry with regret and did not start a business.

In the first semester of his sophomore year, that is, in 2014, Zhang Yida came into contact with Ping An Lufax, an Internet wealth management platform under Ping An Group.

At that time, Lufax was doing a new user attraction activity, and new users who registered and invested one dollar would be given a 500 yuan no-threshold investment coupon. Invest another 500 yuan investment coupon for a month, and after the expiration of one month, you can withdraw 500 yuan of principal plus investment income with interest.

Zhang Yida saw the news on the Internet, and he also tried to register and invest, and spent one dollar to earn five hundred yuan.

All this is very attractive to Zhang Yida, and he really wants to find out what is in it. Is it a safe coin, or is it that Internet companies have been crazy about subsidies in order to attract new users?

Then, he slowly entered the circle of mutual gold.

At the beginning, I registered on various platforms to become new users to get rewards, and then cooperated with the platform to help them attract new users to earn promotion fees.

In this way, a cooperation of tens of thousands of dollars has also saved six or seven hundred thousand in more than three years. It's not a big achievement, but it can be regarded as a bit of an adjustment to college life!

Because I still have to study, the course is also very heavy. In his previous life, Zhang Yida thought about starting a company in college to promote it on major platforms. I also thought about making a website, diverting traffic to major platforms, and collecting advertising fees.

Or because of the problem of going to school, I am afraid that I will not do well in part-time work, and I have no entrepreneurial experience. In the end, he is too young, and he will miss the opportunity.

There is a similar company called Rong 361, which was founded in 2011 and is known as a mobile financial smart selection platform, which provides search and price comparison and application services for financial products such as loans, credit cards, and wealth management.

In my previous life, when I wanted to start a business in college, I wanted to imitate or benchmark this company the most. Later, the company also went public on the NASDAQ in 2017, with a market capitalization of up to $3.5 billion.

The power of an individual is limited, and he has been fighting alone in his previous life when he was engaged in mutual finance, so he didn't make any name for himself.

If you make a website at this time, you will come out and fight in the ring with Rong 361. Without trying to kill the opponent, it is very promising to cut a piece of the cake yourself.

If nothing else, Rong 361 should have raised $30 million in Series B financing by now, led by Sequoia Capital China. There is also a US$60 million Series C round led by Temasek next year. The year after that, there will be a 1 billion yuan D round of financing from Yunfeng Fund!

The speed and scale of the fundraising should not be underestimated, and the team is also excellent, with returning turtles from Wall Street and founders who went there.

However, they also have the advantage of having a prediction of the future trend of mutual finance beyond their 6 years. This alone will allow you to avoid many pitfalls in the future.

You must know that mutual finance entrepreneurship makes money quickly, but it is easy to breed various problems and even crimes if it is too close to money.

Later, the strong supervision of mutual finance also caused many mutual finance bosses to deviate from their original intentions and did too many outrageous things for money!

"Campus Loan"

"Naked Loan"

"Violent Collection"

"Data trafficking"

There are too many to mention. "I'm definitely not going to do these things, they're all minefields. Zhang Yida thought secretly.

"They have money, I have a future foresight"

"They have a team, and I pull a team!"

"Maybe at the beginning, my team should be a little weaker, find more technology, and the talent in operation should not be much worse?"

Zhang Yida meditated for a while.

Make up your mind, you must do it vigorously in this life, don't be cowardly.

To complete the goal of a suite in the capital first, it is about one-tenth of a small goal that Boss Wang said, of course, it refers to the house price in 17 years, and Haiding District remembers that it has probably risen to about 100,000 square meters. It should be in the form of more than 40,000 in 13 years now.

By the way, there are also parents, remind them of the transformation as soon as possible, selling pig feed is really no future.

In the 16th year of the previous life, the family feed factory put into production a new type of feed, and tens of millions of dollars were invested before and after. The R&D and production process is extremely difficult, but the feed that finally meets the expectations of parents is not welcomed by the majority of farmers and is unsalable.

Tens of thousands of tons of feed were piled up in the warehouse and could not be sold, and the parents were worried about their gray hair.

Seeing that most of the factory's working capital is pressed on this, there will be no payment if the feed cannot be sold. It has affected the normal operation of the factory, and in the end, the strong man broke his wrist and gave three discounts before cleaning up the goods.

After this battle, the career of entrusting his parents with his life's work can be described as a great loss of vitality.

In the past two years from 14 to 16 years, tens of millions of dollars have been spent on the research and development of new feed.

In addition, 16 to 17 years of feed is unsalable, and the warehouse is cleared at a low price. In the end, the loss was 42 million.

Fortunately, my parents have always been cautious in their business, and basically rarely operate in debt. That is, there is no loan to buy raw materials for feed production and equipment for new production lines. Otherwise, there will definitely be a backlog of hundreds of millions of yuan in goods at that time, and bankruptcy is a certainty.

By the time I graduated from college in 17 years, my family's business was facing a major test. Because of the setback in the launch of new feed, the old feed is also gradually phased out. The share of the market around Rongcheng is also declining day by day.

At that time, I did not evade and retreated, first persuaded my parents, took out all the remaining funds of the family of 10 million, mortgaged all the factory land and equipment 20 million, and a total of 30 million funds were all invested in the pet food market, and carried out a difficult transformation battle.

Entering the pet food field was a carefully selected decision by Zhang Yida.

First of all, it has little to do with the field of pig feed, and it is all about producing things for animals to eat.

Second, the plant and personnel are ready-made, and the equipment can be used after transformation

Third, all go through online marketing channels, open Taobao, Tmall flagship stores, and live broadcast of cooperative animal net red accounts.

Especially the third point, Zhang Yida University has basically been engaged in network marketing for several years, and he is no stranger to this area. In addition, this sales model has a very short account period, and it is settled with the partner once every ten days and half a month. Unlike before, it is common for pig feed dealers to default on their accounts for several months and half a year.

At that time, the most lacking thing in the transformation of the factory was the flow of funds, and the capital chain was too tight.

Fortunately, the transformation was very successful, and in the first year of 17 years, the operating income reached 50 million, the net profit reached 20 million, and the loan was successfully repaid.

Because it is a self-created pet food brand, after the product became popular, word of mouth fermented. In 18 years, the operating income has reached 300 million, and the net profit has reached 30 million. In addition, 80 million yuan was spent to invest in new plant and equipment to supplement production capacity, so the profit margin has decreased.

In October 19, when Zhang Yida was reborn, the operating income in the first 9 months was 7 billion, and the whole year is expected to be no less than 9 billion.

At that time, Zhang Yida was still chatting with some pet food and veterinary experts and scholars about expanding and developing some new pet food and medical supplies, and planned to start the layout of pet hospitals and trusteeship in Chengdu. The picture is very big, and I want to get a piece of the pet market.

Then, after a little sleep, I inexplicably returned to 2013.

"There are still a few days before the National Day holiday, so it's good to go home. Just tell your parents to transform the pet food market as soon as possible, there are too many pig feed giants, Zhengda, and I hope they are all players who have been deeply cultivated for decades. There aren't many opportunities, the market is not big!"

"And I will also implement my next start-up capital, one million, which is considered to be my corporate strategy consulting service fee. ”

Zhang Yida thought of this, and a smile inadvertently appeared on the corner of his mouth.

It's arranged like this, there's nothing wrong with it, Lao Tie 666!